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Columbia Banking System (COLB) guidance and outlook

Columbia Banking System's 10-Q filed Nov 5, 2026 makes 19 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• • our ability to achieve the efficiencies and enhanced financial and operating performance we expect to realize from investments in personnel, acquisitions, infrastructure, and technology;
• Our balance sheet optimization activity included the expected runoff of lower-yielding transactional loans and a reduced reliance on higher-cost wholesale funding sources, as we intentionally shift the mix of our loans and deposits toward relationship-based commercial loans and customer deposit, respectively, in support of our Business Bank of Choice operating strategy.
• The decrease primarily reflects a deliberate reduction in brokered deposits as part of the Company's funding optimization strategy, which targets the replacement of wholesale funding sources with relationship-based customer deposits over time.
• Future share repurchases will be made under the new program, and the Company does not intend to make additional repurchases under the previously approved $700 million share repurchase program, which was scheduled to expire in November 2026.
• These increases largely reflected the impact of the Pacific Premier acquisition, which contributed to results throughout 2026 but only contributed to results for one month during the comparable prior-year period, as well as our continued balance sheet optimization efforts, including the expected runoff of below-market-rate transactional loans, growth in relationship-based commercial lending, and replacement of…
• Management expects customer deposit balance trends, continued growth in relationship-based deposits, reductions in borrowings and other wholesale funding sources, and ongoing funding mix optimization to remain key drivers of net interest margin performance.
• Management does not expect additional material losses on these balances absent further deterioration in collateral values.
• We also assess whether we intend to sell a security or whether it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis, which may occur at maturity.
• Management expects the loan portfolio to continue shifting toward relationship-based lending opportunities, consistent with the Company's balance sheet optimization strategy.
• We mitigate our risk on these loans by requiring collateral values that exceed the loan amount and underwriting the loan with projected cash flow in excess of the debt service requirement.
• The ACL reflects management's estimate of expected credit losses over the contractual life of the loan and lease portfolio and is influenced by portfolio composition, credit quality trends, economic conditions, and reasonable and supportable forecasts.
• The Company's CECL model incorporates macroeconomic forecasts relevant to each loan and lease portfolio, supplemented by qualitative adjustments to address risks and uncertainties that may not be fully captured in the quantitative analysis.

Columbia Banking System's latest quarter

Questions

What does Columbia Banking System expect?

• our ability to achieve the efficiencies and enhanced financial and operating performance we expect to realize from investments in personnel, acquisitions, infrastructure, and technology; Our balance sheet optimization activity included the expected runoff of lower-yielding transactional loans and a reduced reliance on higher-cost wholesale funding sources, as we intentionally shift the mix of our loans and deposits toward relationship-based commercial loans and customer deposit, respectively, in support of our Business Bank of Choice operating strategy. The decrease primarily reflects a deli

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.